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Beshak  gradient-star  Rating - Insurance Ratings based on stuff that matters to you!

01. Claims Experience  02. Customer Service Experience  03. Product Benefits
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Notes

1- Beshak Ratings data was last updated in September 2023.

2- All data was sourced from public disclosures (FY 2023-2024, Q1 and FY 2022-23, Q4), insurer websites, and the IRDAI website. Except Claim Amount Settlement Ratio, for which the data was taken from the IRDAI Annual Report 2021-22.

3- Only features that are currently available for purchase online were considered when calculating the Beshak Ratings.

4- In the Premium Ratings, we do not display premium amounts - instead, we show the product's relative pricing compared to the median.

5- Premium for all plans is calculated for the following profile: 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy. Except for these plans:

  ・Bajaj Allianz Life Diabetic Term Plan Sub 8 HbA1c - Premium is calculated for a 30-year-old, non-smoker, married male, having Type 2 diabetes, with HbA1c level between 6.5 to 7, for a sum assured of INR 1 Crore, up to the age of 55 years, paying annual premiums for 25 years. 

  ・IndiaFirstLife Guaranteed Protection Plus Plan - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 75 years, paying annual premiums for 40 years. 

  ・TATA AIA Maha Raksha Supreme - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 2 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy. 

6- The overall ratings do not include the premium rating. This is because we believe that the affordability of premiums is a personal thing. Something that seems unaffordable or expensive to one person could seem cheap and affordable to another, regardless of their income. We leave it up to our users to decide whether the price they pay seems reasonable for the features they receive.

7- The Response time on Twitter (Beta) was calculated using a sample set of tweets from February to August 2023 - (Analyzed in September 2023).

8- Claims Experience was assessed based on an audit of various processes and facilities offered by the insurers, during claim settlement.

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Compare Bajaj Allianz Life Smart Protection Goal and Edelweiss Tokio Zindagi Protect

Claims Track Record:

Bajaj Allianz Life Smart Protection Goal

Bajaj Allianz Life Insurance Company has a good claim settlement track record with relatively fewer customer complaints, compared to other insurers. The company has settled 99.91% of their claims within 30 days. Their claim settlement ratio is 99.04% and their claim amount settlement ratio is 93.45%. They have a dedicated online claim tracking system and a toll-free number to handle any queries or concerns during claims. They also have a short claim form. However, they don’t provide a personal relationship manager for claims and home pick-up of claims.

Edelweiss Tokio Zindagi Protect

Edelweiss Tokio Life Insurance Company has a record of settling 100% of claims in under 30 days, but a higher number of claim settlement complaints. Edelweiss Tokio Life Insurance Company has a claim settlement ratio of 99.20%, and their claim amount settlement ratio stands at 95.12%. Furthermore, they offer convenient features such as a dedicated toll-free number for claims support and an online tracking system for claims. However, it's important to be aware that they have a moderately long claim form and do not provide a personal relationship manager for claims. They also don’t offer a home pick-up claim service.

Service Experience:

Bajaj Allianz Life Smart Protection Goal

You can contact Bajaj Allianz Life Insurance Company via their toll-free telephone number or Twitter for any questions or concerns. As per our research, the response time on toll-free is quick and Twitter is slow, compared to other insurers. So, you and your family can expect prompt resolutions to any issues if their toll-free number is contacted.

Edelweiss Tokio Zindagi Protect

You can contact Edelweiss Tokio Life Insurance Company through their toll-free telephone number and Twitter. Our research has indicated that their toll-free service is quick and efficient, while their Twitter response rate is slow, compared to other insurers. For prompt response to your or your family’s queries and issues, it's advisable to contact their toll-free number.

Product Benefits:

Bajaj Allianz Life Smart Protection Goal

Bajaj Allianz Life Smart Protection Goal offers many customization options to best suit your financial needs and goals. It offers coverage for up to 85 years. It offers various limited payment options, ranging from 5, 10, 15, 20 and Pay till 60 years. Based on your convenience, the premium can be paid monthly, quarterly, half-yearly, or annually. The plan offers only a one-time lump-sum claim payout option and it doesn’t offer an increasing cover feature. Bajaj Allianz Life Smart Protection Goal offers a Critical Illness Rider. It is an optional add-on designed to enhance your base coverage at a certain extra cost.

Edelweiss Tokio Zindagi Protect

Edelweiss Tokio Zindagi Protect offers a variety of customization options. It offers a life cover up to 100 years with limited payment options ranging from 5, 7, 10, 15 and 20 years. You can choose to pay your premiums monthly, quarterly, half-yearly, or annually as per your convenience. Claim payout options include a one-time lump sum option, monthly instalment option, and a combination of both. However, it does not offer an increasing coverage option. Edelweiss Tokio Zindagi Protect offers various riders including a Critical Illness Rider, Waiver of Premium due to Critical Illness Rider, Waiver of Premium due to Accidental Disability, and an Accidental Death Benefit Rider.